Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$230,921Cash toward the purchase price.
Closing costs + prepaids$13,482Not just lender fees.
Before credits & paid funds$244,403The complete starting cash picture.
Estimated remaining funds due at closing
$244,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,921.10
Your down payment$230,921.10
Closing costs + prepaids$13,481.95
Total buyer cash needed$244,403.06
Remaining funds due$244,403.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$863.50
Initial HOA (3 months)$68.76
Prepaid interest, first (26 days)$684.69
Fees + prepaids$13,481.95
Your down payment is the seller’s equity. You take over the $308,079 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $244,403.06 is due at closing. Uses and sources reconcile at $552,481.95 each. Not a Closing Disclosure.